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What You Need to Know About Car Insurance and Hurricane Damage

If you live in an area that is prone to hurricanes, it's important to know what your car insurance policy covers. Some policies will cover damage caused by hurricane force winds and rain, while others will not. If you want your car insurance to cover hurricane damage, make sure you have collision and comprehensive coverage.

 What You Need to Know About Car Insurance and Hurricane Damage

What is hurricane damage?

Hurricane damage is a type of damage that can occur to your car during a hurricane. It is important to know that if you have comprehensive coverage on your vehicle, you may be covered for this type of damage. 

Comprehensive coverage is the type of insurance that pays for the damage done to your car by something other than a collision, such as a hurricane. If you want your car insurance company to cover any damage to your car that is caused by a hurricane, you will need to have comprehensive coverage on your vehicle.

What does car insurance cover?

Car insurance covers a variety of things related to your car. It can cover repairs or replacement cost for your car in the event it is damaged or stolen. It can also cover the costs you are responsible for if you cause an accident. 

In addition, medical payments coverage can help pay for expenses related to injuries from an accident. Finally, personal injury protection can help cover the cost of injuries to yourself or passengers in your car.

What are the deductibles for hurricane damage?

In many hurricane-prone states, homeowners' insurance policies include deductibles applying to damage caused by named storms. A named storm deductible is a set amount that the policyholder must pay out of pocket for hurricane damage before the insurance company will cover the rest of the costs, up to the policy limit. Depending on your individual policy, hurricane deductibles are either a fixed amount or a percentage of your home's Coverage A amount (e.g., 1% to 5%).

For most perils (such as fire damage and theft), the standard deductible is a flat dollar amount (e.g., $500 or $1,000). However, in many hurricane-prone states, insurers use hurricane deductibles that are based on a percentage of the home's insured value. This means that the deductible you pay for hurricane damage will be higher than for other types of damage.

Hurricane deductibles are what you pay out of pocket for hurricane damage to your home before

How do I file a claim for hurricane damage?

If you need to file a claim for hurricane damage, it is important to notify your insurance company as soon as possible. You should also try to document the damage with pictures and videos. The more documentation you have, the easier it will be to process your claim. 

In some cases, you may need to complete specialized paperwork to claim benefits for business-related losses. Once you have notified your insurer and started documenting the damage, you can begin the process of making temporary repairs to your property.